Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$182,036Cash toward the purchase price.
Closing costs + prepaids$11,464Not just lender fees.
Before credits & paid funds$193,500The complete starting cash picture.
Estimated remaining funds due at closing
$193,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,036.00
Your down payment$182,036.00
Closing costs + prepaids$11,464.47
Total buyer cash needed$193,500.48
Remaining funds due$193,500.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,998.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.00
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$496.97
Fees + prepaids$11,464.47
Your down payment is the seller’s equity. You take over the $217,814 balance, so the rest of the $399,850 price is paid at closing. A second mortgage can cover part of it. $193,500.48 is due at closing. Uses and sources reconcile at $411,314.47 each. Not a Closing Disclosure.